Kotak Mahindra Bank 811 Super – Updated Terms & 5% Cashback Rules (Effective 2026)

Kotak Mahindra Bank has officially revised the Terms & Conditions of the 811 Super program. If you are currently enjoying 5% cashback benefits, it is important to understand the updated structure to avoid missing out on rewards.

🔔 Latest Update

• Current T&C effective from: 1 October 2025
• Revised T&C effective from: 1 April 2026

Customers are advised to carefully review the new terms to continue receiving cashback without interruption.

✅ 811 Super Eligibility Criteria

To qualify for 811 Super cashback benefits, you must:

• Maintain or deposit ₹10,000 in your 811 Account to upgrade to 811 Super.
• Complete at least one customer-initiated credit transaction of ₹10,000 every month.
• Benefits remain valid for 1 year from the date of subscription.
• Eligibility status can be checked only via the Kotak 811 App.

⚠ Important: If the ₹10,000 monthly credit condition is not fulfilled, cashback will not be credited for that month.

💰 811 Super Cashback Structure

🔹 Flat 5% Cashback

• 5% cashback on eligible Debit Card spends
• Maximum cashback capped at ₹500 per month
• Valid on E-commerce and POS transactions

Example:
If you spend ₹10,000 in a month → 5% cashback = ₹500 (maximum cap reached).

✔ Eligible Transactions

• Virtual Debit Card transactions
• Physical Debit Card transactions (E-commerce & POS)

❌ Transactions NOT Eligible

• UPI transactions
• ATM withdrawals
• Wallet top-ups
• Inter-bank or intra-bank fund transfers
• Loan repayments
• Utility & bill payments
• Credit card bill payments
• Refund or reversal transactions

🚫 Excluded Merchant Categories (MCC Codes)

Cashback will not apply to transactions under categories such as:

• Betting & lottery services
• Online gambling
• Insurance payments
• Money transfers
• Political donations
• Crypto transactions
• Wholesale clubs
• Business-to-business transactions

The bank may also review transaction narration to determine final eligibility.

📅 Cashback Credit & Claim Process

• Cashback will be generated within 30 days after completion of the transaction month.
• Customers must manually claim cashback via the 811 App.
• Cashback is rounded down to the nearest whole number.
• Minimum eligible transaction amount: ₹20.

⚠ Important Terms

• Maximum cashback per month: ₹500
• Cashback is non-transferable
• Participation is voluntary
• No cashback if account is frozen
• Complaints must be raised within 45 days of the transaction month
• Disputes subject to Mumbai jurisdiction
• Bank reserves the right to modify, amend, or terminate the program without prior notice

📝 Final Verdict

Kotak 811 Super is beneficial for customers who:

• ✔ Maintain ₹10,000 monthly credit consistently
• ✔ Prefer Debit Card transactions instead of UPI
• ✔ Spend ₹10,000 or more monthly via Debit Card

However, since several major categories like UPI and bill payments are excluded, customers should carefully evaluate their spending pattern before relying solely on this cashback program.

Pro Tip: If most of your spending happens through UPI, this program may not deliver maximum value. But for heavy debit card users, the 5% cashback (up to ₹500 per month) can be quite rewarding.